I have lived in TN for 9 years now; 1. In June 2012 I received a letter from my bank (account in KY) stating a garnishment/state levy was served on the bank and they held $65.26 from my checking account, attached was a pink copy from Commonwealth of Kentucky Court of Justice 'Order of Garnishment' dated May 2010 for creditor; Elite Recovery Services and Attorney Morgan & Pottinger of Louisville KY on the line for Amount Due '$2538.06 April 2008', with 'Probable Court Cost $10.00' 2. In March 2011 I received a letter from Morgan & Pottinger = Re: Elite Recovery Services Inc vs. Me, District Court, Case No. 00-0-000 (I am with holding the real case #), Etc...,Principal $1741.68, Interest 738.42, Attorney Fees $0.00, Court Cost $81.65, Total $2561.75, the letter then went on to say; Dear 'me', A judgment has been entered by the court against you in the above-styled case...bla, bla, bla...We gladly accept visa & master card for payments over 500.00. On the bottom was; 'This communication from a debe collector is an attempt to collect a debe, and any information...' 3. Yesterday (6/2012) I received a letter from Morgan & Pottinger with the opening stating Elite Recovery... vs. 'me', case #...etc... and went on to say; me, Please be advised that as of the date of this letter the balance on your account is shown above (which was now $2675.80), we gladly accept visa & master card for payments over 500... again at the bottom 'This communication from a debe collector is an attempt to collect a debt... etc.
I didn't act on the event when the $$ was taken from the bank because I was freaking out and confused, people were telling me to just forget the $70 there was nothing I could do, it was gone. Now I'm not so sure, and wish I would have tried to do something, also now that I have received yesterdays letter I'm wondering if I should do something before I get surprised again. PS, my credit score is very high 600 on one and low 700's on the other two, I have monitored and printed my credit report every 2-4 months from the time of the bank letter and Nothing has ever showed up on my report about any of that --- Oh I'm Confused :confused:
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